MOTOR BUSINESS
COMMERCIAL
VEHICLE
Why insure your car ?

Business vehicle insurance, also known as commercial vehicle insurance, is mandatory and covers you if you use your car or van for business purposes.


It is then necessary to take out specific insurance because private vehicle insurance does not cover the specifics of commercial vehicles or company vehicles.


In order to best cover these vehicles and the different uses made of them, MUA accompanies you to choose the appropriate insurance solution.


COMMERCIAL VEHICLE (INDIVIDUAL): vehicles owned by individual customers to be used in connection to a commercial trade.


COMMERCIAL VEHICLE (CORPORATE – DOUBLE CABS): executive corporate double cab owned by companies to be used for corporate requirements and not in connection to a commercial trade.

COMPARE OUR
CAR INSURANCE PLANS

SCOPE OF COVER

ECO

ESSENTIEL

EXCELLENCE

Own damage

Accidental Collision or over turning, malicious act, whilst in transit, fire, theft, riot, cyclone and some othersclimatic events. Death and Perm Disability up tu Rs 300 000Rs, medical expenses 50000 Rs

Third Party Liability

Death or bodily injury to any person UP TO RS 500,000,000
Damage to property UP TO RUPEES RS 50,000,000 in respect of any one claim or series of claims arising out of one event

COVER EXTENSIONS
Car Occupants (Passagers and conductor)

Passangers and conductor: 
Death up to Rs300 000, permanent disability up to Rs 300 000, medical = expenses Rs 50000

Loss of use

In case of loss or damage to the vehicle, a replacement car of equivalent engine capacity will be provided to the insured, or a cash settlement (50%). The maximum amount payable per day is defined according to the amount insured.

24/7 Towing / Breakdown Services (ADA et AA)

Assistance services: express breakdown service, towing, battery restart, fuel service, drop off service (max 4 people), tyre service following a puncture

ADD-ONS EXTENSIONS:
Replacement of Car Keys and lock transmitters

Loss or theft of the car key or vehicle lock covered up to Rs. 15.000.
Exemption of the excess for a period of 12 months from the date of commencement of cover.

Payment of Spare part Airfreight Expenses

Coverage of additional air freight costs for importing replacement spare parts unavailable up to Rs 15,000.

Replacement of Windscreen

Coverage of the cost of replacing a damaged or broken window, not subject to the excess for any vehicle less than 5 years old.

Personal Belongings in case of theft

Personal belongings in the insured vehicle are covered up to a limit of Rs. 15,000 (no deductible)

Vehicule Accessoires Not in Built

Non-original accessories covered against loss or damage up to Rs. 15,000 (no excess)

Damage by Rodents

Loss or damage caused by rodents covered up to Rs 20,000 (no excess).

Accidental Misfueling

Loss or damage resulting from misfuelling covered up to Rs 20,000 (no excess)

Refund UPTO 110% Sum insured

In the event of total loss of the vehicle within 12 months from the date of commencement of cover, the basis of indemnity will be the sum insured.
In case of an increase in the price of the vehicle on the local market, MUA will pay a total of 110% of the initial insured capital.

Refund Original Registration Fee

The insured value includes the registration fee (first registration in Mauritius) 
In case of total loss or theft of the vehicle, the amount of the first registration will be reimbursed to the insured, including the registration fee.

Waiver of Excess

In case of loss or damage resulting from accidental collection, theft or fire will not be applicable to the insured vehicle.

Loss of use: mechanical / electrical breakdown

Extended loss of use coverage to cover mechanical and electrical failures while the vehicle is being repaired due to engine failure.

SCOPE OF COVER
ECO
Own damage

Accidental Collision or over turning, malicious act, whilst in transit, fire, theft, riot, cyclone and some othersclimatic events. Death and Perm Disability up tu Rs 300 000Rs, medical expenses 50000 Rs

Third Party Liability

Death or bodily injury to any person UP TO RS 500,000,000
Damage to property UP TO RUPEES RS 50,000,000 in respect of any one claim or series of claims arising out of one event

COVER EXTENSIONS
Car Occupants (Passagers and conductor)

Passangers and conductor: 
Death up to Rs300 000, permanent disability up to Rs 300 000, medical = expenses Rs 50000

Loss of use

In case of loss or damage to the vehicle, a replacement car of equivalent engine capacity will be provided to the insured, or a cash settlement (50%). The maximum amount payable per day is defined according to the amount insured.

24/7 Towing / Breakdown Services (ADA et AA)

Assistance services: express breakdown service, towing, battery restart, fuel service, drop off service (max 4 people), tyre service following a puncture

ADD-ONS EXTENSIONS:
Replacement of Car Keys and lock transmitters

Loss or theft of the car key or vehicle lock covered up to Rs. 15.000.
Exemption of the excess for a period of 12 months from the date of commencement of cover.

Payment of Spare part Airfreight Expenses

Coverage of additional air freight costs for importing replacement spare parts unavailable up to Rs 15,000.

Replacement of Windscreen

Coverage of the cost of replacing a damaged or broken window, not subject to the excess for any vehicle less than 5 years old.

Personal Belongings in case of theft

Personal belongings in the insured vehicle are covered up to a limit of Rs. 15,000 (no deductible)

Vehicule Accessoires Not in Built

Non-original accessories covered against loss or damage up to Rs. 15,000 (no excess)

Damage by Rodents

Loss or damage caused by rodents covered up to Rs 20,000 (no excess).

Accidental Misfueling

Loss or damage resulting from misfuelling covered up to Rs 20,000 (no excess)

Refund UPTO 110% Sum insured

In the event of total loss of the vehicle within 12 months from the date of commencement of cover, the basis of indemnity will be the sum insured.
In case of an increase in the price of the vehicle on the local market, MUA will pay a total of 110% of the initial insured capital.

Refund Original Registration Fee

The insured value includes the registration fee (first registration in Mauritius) 
In case of total loss or theft of the vehicle, the amount of the first registration will be reimbursed to the insured, including the registration fee.

Waiver of Excess

In case of loss or damage resulting from accidental collection, theft or fire will not be applicable to the insured vehicle.

Loss of use: mechanical / electrical breakdown

Extended loss of use coverage to cover mechanical and electrical failures while the vehicle is being repaired due to engine failure.

ESSENTIEL
Own damage

Accidental Collision or over turning, malicious act, whilst in transit, fire, theft, riot, cyclone and some othersclimatic events. Death and Perm Disability up tu Rs 300 000Rs, medical expenses 50000 Rs

Third Party Liability

Death or bodily injury to any person UP TO RS 500,000,000
Damage to property UP TO RUPEES RS 50,000,000 in respect of any one claim or series of claims arising out of one event

COVER EXTENSIONS
Car Occupants (Passagers and conductor)

Passangers and conductor: 
Death up to Rs300 000, permanent disability up to Rs 300 000, medical = expenses Rs 50000

Loss of use

In case of loss or damage to the vehicle, a replacement car of equivalent engine capacity will be provided to the insured, or a cash settlement (50%). The maximum amount payable per day is defined according to the amount insured.

24/7 Towing / Breakdown Services (ADA et AA)

Assistance services: express breakdown service, towing, battery restart, fuel service, drop off service (max 4 people), tyre service following a puncture

ADD-ONS EXTENSIONS:
Replacement of Car Keys and lock transmitters

Loss or theft of the car key or vehicle lock covered up to Rs. 15.000.
Exemption of the excess for a period of 12 months from the date of commencement of cover.

Payment of Spare part Airfreight Expenses

Coverage of additional air freight costs for importing replacement spare parts unavailable up to Rs 15,000.

Replacement of Windscreen

Coverage of the cost of replacing a damaged or broken window, not subject to the excess for any vehicle less than 5 years old.

Personal Belongings in case of theft

Personal belongings in the insured vehicle are covered up to a limit of Rs. 15,000 (no deductible)

Vehicule Accessoires Not in Built

Non-original accessories covered against loss or damage up to Rs. 15,000 (no excess)

Damage by Rodents

Loss or damage caused by rodents covered up to Rs 20,000 (no excess).

Accidental Misfueling

Loss or damage resulting from misfuelling covered up to Rs 20,000 (no excess)

Refund UPTO 110% Sum insured

In the event of total loss of the vehicle within 12 months from the date of commencement of cover, the basis of indemnity will be the sum insured.
In case of an increase in the price of the vehicle on the local market, MUA will pay a total of 110% of the initial insured capital.

Refund Original Registration Fee

The insured value includes the registration fee (first registration in Mauritius) 
In case of total loss or theft of the vehicle, the amount of the first registration will be reimbursed to the insured, including the registration fee.

Waiver of Excess

In case of loss or damage resulting from accidental collection, theft or fire will not be applicable to the insured vehicle.

Loss of use: mechanical / electrical breakdown

Extended loss of use coverage to cover mechanical and electrical failures while the vehicle is being repaired due to engine failure.

EXCELLENCE
Own damage

Accidental Collision or over turning, malicious act, whilst in transit, fire, theft, riot, cyclone and some othersclimatic events. Death and Perm Disability up tu Rs 300 000Rs, medical expenses 50000 Rs

Third Party Liability

Death or bodily injury to any person UP TO RS 500,000,000
Damage to property UP TO RUPEES RS 50,000,000 in respect of any one claim or series of claims arising out of one event

COVER EXTENSIONS
Car Occupants (Passagers and conductor)

Passangers and conductor: 
Death up to Rs300 000, permanent disability up to Rs 300 000, medical = expenses Rs 50000

Loss of use

In case of loss or damage to the vehicle, a replacement car of equivalent engine capacity will be provided to the insured, or a cash settlement (50%). The maximum amount payable per day is defined according to the amount insured.

24/7 Towing / Breakdown Services (ADA et AA)

Assistance services: express breakdown service, towing, battery restart, fuel service, drop off service (max 4 people), tyre service following a puncture

ADD-ONS EXTENSIONS:
Replacement of Car Keys and lock transmitters

Loss or theft of the car key or vehicle lock covered up to Rs. 15.000.
Exemption of the excess for a period of 12 months from the date of commencement of cover.

Payment of Spare part Airfreight Expenses

Coverage of additional air freight costs for importing replacement spare parts unavailable up to Rs 15,000.

Replacement of Windscreen

Coverage of the cost of replacing a damaged or broken window, not subject to the excess for any vehicle less than 5 years old.

Personal Belongings in case of theft

Personal belongings in the insured vehicle are covered up to a limit of Rs. 15,000 (no deductible)

Vehicule Accessoires Not in Built

Non-original accessories covered against loss or damage up to Rs. 15,000 (no excess)

Damage by Rodents

Loss or damage caused by rodents covered up to Rs 20,000 (no excess).

Accidental Misfueling

Loss or damage resulting from misfuelling covered up to Rs 20,000 (no excess)

Refund UPTO 110% Sum insured

In the event of total loss of the vehicle within 12 months from the date of commencement of cover, the basis of indemnity will be the sum insured.
In case of an increase in the price of the vehicle on the local market, MUA will pay a total of 110% of the initial insured capital.

Refund Original Registration Fee

The insured value includes the registration fee (first registration in Mauritius) 
In case of total loss or theft of the vehicle, the amount of the first registration will be reimbursed to the insured, including the registration fee.

Waiver of Excess

In case of loss or damage resulting from accidental collection, theft or fire will not be applicable to the insured vehicle.

Loss of use: mechanical / electrical breakdown

Extended loss of use coverage to cover mechanical and electrical failures while the vehicle is being repaired due to engine failure.

Why choose MUA’s car insurance?

Comprehensive car cover with useful advantages:

It insures you not only for the classic problems linked to a car: liability towards third parties, accidents, breakdowns, etc., but also for the damage to your car …


But it also offers you some significant advantages:

  • A very easy to use customer portal for your day-to-day operations: renewal AND payment of your contract, follow-up of your claims
  • No-claims bonus: you receive a discount on your premium at renewal if you have not reported any accidents in the last 12 months.
  • Simple and direct handling of your claims for easier handling
  • Removal of the franchise:
    - For any non responsible claim
    - If the repairs are carried out in one of our 32 approved garages (clickable link on garage map)
  • Up to 110% of the value of your new vehicle reimbursed in the event of a total loss

Would you like to insure other types of vehicles ?

Whether it's for a motorcycle or a van, do not hesitate to contact us!